Thinking about a new credit card? Here’s what to consider before you apply.

More Than Rewards: What You Should Know Before Choosing a Credit Card

A real-life guide to choosing the right credit card, covering essential factors to help you make an informed decision.

You’ve seen the ads. That shiny new credit card promises everything from cashback on groceries to free flights halfway around the world. Tempting, right? But before you sign up for just any credit card, hold on! Getting a credit card is like entering into a relationship — it comes with benefits, but you also need to know what you’re committing to. Trust me, you don’t want to be surprised by hidden charges or crazy high interest rates after swiping it for the hundredth time at your favorite café.

So, what should you look for before picking out the perfect credit card? Here are a few things to keep in mind, sprinkled with some real-life experiences to help you navigate the world of credit cards.

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Why Do You Need a Credit Card?

Okay, let’s start with the basics. Why do you want a credit card? If your answer is “because everyone has one,” take a breather. Just like you wouldn’t buy a car without knowing why you need it, don’t get a credit card without understanding your goals. Are you…